Risk Manager (Business Credit)

About Revolut

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 50+ million customers get more from their money every day.

As we continue our lightning-fast growth,‌ 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work™. So far, we have 10,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About the role

Our Risk team sits at the very core of Revolut. Those special agents work across functions, products, and regions to monitor front-line performance and ensure that the business is on safe ground. People on the Risk team are among the first in the company to get involved in new business initiatives, from app technology, through Treasury and Finance, all the way to Customer Support.

We’re looking for a Risk Manager who'll build our business credit portfolio. An expert in making data-driven decisions with good business intuition on risk-adjusted return requirements. You'll lead the initiative for preventive and reactive actions towards any factors impacting portfolio credit performance and profitability.

Up to shape the future of finance? Let’s get in touch.

What you'll be doing

• Managing Revolut's exposure to business credit risk
• Working with the Risk Modelling team to design, develop, and implement business credit risk models
• Managing risk appetite through limit calibration and monitoring
• Maintaining key policies, procedures, and controls
• Engaging with first-line businesses to identify, monitor, and govern emerging business credit risks, including new product risk assessments
• Engaging with key stakeholders, committees, and regional regulators on material business credit risk exposures and limit governance
• Quantifying risk exposures within the organisation, considering stakeholder impact where possible
• Protecting the company from excessive risk-taking, saving on both short and long-term costs to the business
• Building trust and reputation with our external stakeholders
• Identifying emerging risks that require immediate attention or that could threaten the long-term viability of the company

What you'll need

• 3+ years of business credit risk experience (not including wholesale/treasury experience)
• Knowledge of key credit products offered to businesses
• A solid understanding of business credit risk modelling (PD/ECL)

Nice to have

• A degree in STEM/finance with a minimum 2:1/3.7 GPA
• Experience in the second line of defence (risk)
• Experience in the European credit market, particularly Lithuania, Ireland, or other Western European markets (France, Germany, Portugal, Spain)

Building a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.

Important notice for candidates:

Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles.

• Only apply through official Revolut channels. We don’t use any third-party services or platforms for our recruitment.

• Always double-check the emails you receive. Make sure all communications are being done through official Revolut emails, with an @revolut.com domain.

We won't ask for payment or personal financial information during the hiring process. If anyone does ask you for this, it’s a scam. Report it immediately.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice